Settlement Reconciliation (ISO 20022 + NACHA)

Machine-to-Machine Conformance API · reconcile

$0.01 / call 3 free calls/day No signup

Deterministic reconciliation verdicts: pain.001/pacs.008 instructions vs camt.053 statements or NACHA ACH files, matched by end-to-end id and BigInt-exact amounts. Verdicts: SETTLED, UNPAID, AMOUNT_MISMATCH, DUPLICATE_PAYMENT, plus unmatched statement entries. Facts computed from the documents only — never inferred, never guessed. Returns signed XDR-1 receipt.

Honest Scope Guarantee

Deterministic, offline, explainable — no ML, no scraping. The response's scope field states the exact assurance level.

Run in Playground (Free) Buy Card Credits Agent Quickstart

Quickstart & Execution

cURL (20 Free Calls/Day • Zero Authentication Required)

curl -X POST https://api.code402.dev/v1/tools/reconcile/call \
  -H "content-type: application/json" \
  -d '{"pain001_xml":"<Document>…</Document>","camt053_xml":"<Document>…</Document>"}'

No API key needed for the free daily tier. When daily quota exhausts, the endpoint replies with HTTP 402 Payment Required specifying the exact USDC amount. Machines sign an EIP-3009 transfer on Base L2; human engineers buy card credits. Every paid execution returns a cryptographically signed XDR-1 receipt for zero-knowledge audit trails.

Input Parameters

Field	Type	Meaning & Constraints
`pain001_xml`	`string`	pain.001 instructions (or use pacs008_xml)
`pacs008_xml`	`string`	pacs.008/PIX instructions (or use pain001_xml)
`camt053_xml`	`string`	camt.053 statement (or use nacha_ach)
`nacha_ach`	`string`	NACHA ACH text (94-char records) instead of camt053_xml

Response Format

Deterministic JSON payload fields: tool, valid, normalized, country, reason, scope. Paid responses also carry an offline-verifiable receipt object (XDR-1, secp256k1 signature recoverable to the authorized signer).

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